Buying a home in Naples & Southwest Florida
Find it.Afford it.Keep it.
Search in plain English, see the all-in monthly cost before you tour, and get an honest take on every house.
Five steps. No surprises.
- 01
Know your number
Pre-approval from a lender, then the all-in monthly cost: mortgage, taxes, insurance, flood, HOA and assessments.
- 02
Search smart
Describe the home in plain English. Get a text when a new match hits.
- 03
Tour with the facts
Flood zone, roof age, seawall, HOA or club dues and assessments checked before you fall for a house.
- 04
Offer + inspect
A price backed by comps. Inspections, a 4-point and wind mitigation report, and real insurance quotes during the inspection period.
- 05
Close
Title, insurance in place, final walk-through, keys. Then a check-in after you move.
Before we tour, we sign a short written buyer agreement that spells out what I do for you and how I'm paid.
The list price is where the math starts, not where it ends.
Insurance
Homeowners and wind coverage is the cost Southwest Florida buyers underestimate most.
What insurance really costsFlood
Lenders require flood insurance for homes in high-risk zones. Check the zone and the elevation certificate.
Flood insurance basicsAssessments and dues
Condo special assessments, HOA and club dues, and in parts of Cape Coral a utility (UEP) assessment can pass to the buyer. Check them before you offer.
Cape Coral UEP, explainedRoof age
Older roofs can mean higher premiums or an inspection before an insurer will write the policy.
Roof rules in FloridaYour tax bill
The seller’s tax bill can be lower than yours will be. Estimate taxes on your purchase price.
Add it to your monthly costBuyers I work with
Luxury buyers
Naples estates, Gulf-front condos and golf and club communities. Private showings, off-market options when they exist, and the dues, reserves and insurance behind the price.
Relocating
Video tours, area guides and a short list built around your commute, water and budget before you fly in.
Second homes
A winter place or a vacation home: rental rules, HOA approval, insurance and who watches the house while you are away.
Investors
Rent, cap rate and cash flow side by side, plus seasonal rental rules by community.
How I helpBusiness owners
A home and a business move at the same time: residential, commercial space and land with one advisor.
How I helpFirst-time buyers
Budget first, then the search. I walk you through every form and every cost.
Buyer questions
How much should I budget for homeowners insurance?
Lee County homeowners policies averaged $3,576 a year with wind coverage as of March 31, 2026, per the Florida Office of Insurance Regulation. Your quote depends on the roof, construction, wind protection and flood zone. Get a quote on the actual address during your inspection period.
Do I need flood insurance?
Lenders require it for federally backed loans on homes in high-risk zones (A, AE, V, VE). Many owners outside those zones buy it anyway. Cape Coral’s CRS Class 5 rating takes 25% off NFIP flood premiums in A, AE and V zones.
Can I buy without seeing the home in person?
Yes. I do live video tours and send inspection findings in detail. Many out-of-state buyers close without flying in.